Ms. Schmidt has been a member of Guild’s Board of Directors since 2006. Ms. Schmidt joined the company in 1985. She is responsible for the financial and investor reporting, budgeting, cash management, warehouse lending and human resource functions. Over the years she has performed system innovations and conversions related to her areas of responsibility, developed value added branch metrics, and designed a proprietary MSR valuation and impairment model. Ms. Schmidt started her career in Internal Audit, performing branch audits and various compliance audits related to servicing, secondary marketing and loan origination. She continues to play a fundamental role in developing the Company business strategy. Her range of versatility extends from the financial aspects of the business to product development, advertising, and systems design. Ms. Schmidt is a graduate of the University of San Diego in 1984 with a B.B.A. in Accounting and has earned the following professional certifications: Certified Public Accountant candidate (CPA, 1989); Certified Financial Professional (CFP, 1992); and Certified Mortgage Banker (CMB, 2005). Ms. Schmidt is Chair of the Mortgage Bankers Association Financial Management Committee, and a member of the Board of Governors for the California Mortgage Bankers Association (2011).